Philmont, NY
Philmont, NY's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Philmont at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 614 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Philmont at the 24th percentile, close to its 27th-percentile risk score.
What "at risk" means for the buildings here
614 buildings are counted in Philmont, and 53.3% of them are Indirect exposure — ember-driven risk rather than the 46.7% in Direct exposure or the 0% rated Minimal.
How Philmont compares
Philmont's 56th-percentile standing inside New York outpaces its 27th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Philmont ranks 22,980 for wildfire risk (1 is highest) and 15,642 by building count (1 is largest). Within New York alone, it ranks 563 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Philmont's moderate wildfire rating (27th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With ember exposure the dominant pattern in Philmont (53.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Philmont's figures come from
Every one of the two percentiles behind Philmont's 22,980-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Philmont's dominant indirect exposure actually means, with real examples from across the dataset.